What we take on after a fire
A fire can leave damaged rooms, cleanup, and debris to deal with. You do not have to clean out the house, arrange repairs, or haul debris before selling to us. We buy fire-damaged houses exactly as they stand, so you can compare an as-is sale without first organizing restoration work.
If the structure may be unsafe or officials have restricted access, stay out and follow their directions. Ask the officials responsible for the property what access and work are allowed before entering or arranging cleanup.
Your insurance proceeds and mortgage
We buy the house exactly as it stands, and you keep your insurance proceeds.
Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
What happens next
1. Talk through the damage
Share the address, what happened, and any known limits on access or timing.
2. Review written terms
We discuss the property and give you a written cash offer within 24 hours. You receive written offer terms before you commit.
3. Close through a title company
If you choose to proceed, closing is through a title company. The actual property records and requirements are reviewed for the sale.
Sturgis building safety, repairs, and permits
If a structure may be unsafe or access has been restricted, stay out and follow directions from the officials responsible for that property. Before cleanup, repairs, demolition, or re-entry, ask the appropriate local officials what safety steps, permits, or inspections apply to the address and work.
For a property inside the City of Sturgis, Community Development is a starting point for building, planning, zoning, housing, and property-maintenance questions. Confirm whether the address is in the City or Sturgis Township before relying on City rules; the county lists them separately.
Compare rebuilding with selling as-is
Put cleanup and debris costs, contractor estimates, any permit or inspection steps officials say apply, and the time and property costs of rebuilding beside the written terms for an as-is sale. Ask your insurer and mortgage servicer how their requirements apply to your own claim and loan; do not assume a particular insurance payout.
The calculator compares possible sale proceeds using the assumptions you enter. Consider the damage, safe access, repair costs, time, and mortgage balance when weighing the options; the result is an estimate, not an offer for this property.
Compare estimated Sturgis sale proceeds with the calculator →
Reviews from sellers
Testimonials are real, from our transactions, verified and approved by our attorneys. Any review you read is from the seller and location shown with it; it is not presented as a Sturgis transaction unless its location says so.
Questions about fire damage in Sturgis
Can I sell a fire-damaged house in Sturgis, Michigan?
Yes. USA Home Buyers buys fire-damaged houses as-is in the City of Sturgis and St. Joseph County, Michigan. We buy them exactly as they stand — no cleanup, no repairs, no hauling debris.
Who keeps the insurance proceeds, and what about my mortgage?
We buy the house exactly as it stands, and you keep your insurance proceeds. Confirm how the proceeds and any mortgage requirements apply to your claim with your insurer and mortgage servicer.
Do I need to clean up, repair, or haul debris before selling?
No. We buy fire-damaged houses exactly as they stand — no cleanup, no repairs, no hauling debris.
Can I enter the house or start repairs after a fire?
If the structure may be unsafe or access is restricted, stay out and follow directions from the officials responsible for the property. Before cleanup, repairs, demolition, or re-entry, ask those officials what safety steps, permits, or inspections apply to that address and work.
What happens after I ask about an offer?
Tell us what happened and what you know about access. We'll give you a written cash offer within 24 hours. You get written offer terms before you commit, and closing is through a title company if you choose to proceed.
Want to talk through the house? Call 888-274-5006 or use the form below.
Ask about a Sturgis fire-damaged house
Share what happened, what you know about access, and what you are weighing next.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Tell us about the property and we will discuss the damage and next steps.